What do I need for my tiny house insurance in Virginia?

Tiny house insurance in Virginia is required for construction, towing, and parked tiny homes. Obtain RVIA certification to qualify for RV and auto insurance and receive collision, liability, and contents coverage.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • Your Virginia tiny home should be insured against potential losses just as you may insure a traditional home
  • Tiny homes in Virginia should also be insured during the construction and transportation stages, and you may also need to insure the contents of the home separately
  • Certifications obtained during the tiny home construction process may help you to qualify for better tiny home insurance coverage in Virginia during the transportation and parked phases
  • Shopping for new insurance rates for each stage of tiny home living is imperative if you want to keep costs as low as possible

The experience of tiny home living in Virginia is usually minimalistic, and it may even take you off the grid in some cases.

However, your tiny home is a critical investment that you have made to enjoy a better future, and it also is your primary shelter. Because it could be stolen or damaged by a wide range of events, you need to buy insurance for your tiny home.

Virginia’s tiny homeowners need to understand the perils and risks that their structure and its contents are exposed to during the parked phase of the experience as well as while the tiny house is being constructed and transported to a permanent location.

Different types of tiny home insurance are available at each stage, and you need to understand what coverage options are open for you to consider and which options are most affordable and beneficial.

Compare car insurance quotes right here to see how much you could save on the coverage you need.

Insuring Your Tiny House on Wheels in Virginia

You may be dreaming about scaling back your lifestyle and living far below your means in a Virginia tiny home. This type of lifestyle may be far more affordable for you, but you do need to plan ahead for potential risks and losses.

After all, if your tiny home in Virginia is damaged or stolen, you may be faced with tremendous hardship if you do not have adequate insurance for the structure and the contents of it.

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Coverage during Construction

If you are thinking about building a Virginia tiny home soon, you need to decide if you will do the work on your own or hire a professional tiny home builder to complete the work on your behalf.

Many people to put their own time and energy into their tiny home, but even if you plan to do the work on your own, you should consider the benefits associated with hiring an electrician to do the wiring for your tiny house in Virginia.

The certification of a licensed electrician may help you to obtain insurance for a parked tiny home more easily.

Your own construction efforts should also conform to the NOAH requirements.

The NOAH certification is available for all Virginia tiny homes that meet specific requirements, and this certification may help you to qualify for better insurance rates for your tiny home in the future.

Some parking places also require the NOAH certification. At all times, the materials and supplies for a do-it-yourself project should be fully insured.

The other construction option available to you is to hire a professional builder, and any builder that you reach out to for a quote should be fully licensed.

This insurance could protect you against losses related to damaged or stolen materials until the work is completed on the home. You also should look for a builder that is an RVIA certification.

With this certification, your tiny home may qualify for RV insurance during the transportation phases of ownership.

Both professional and do-it-yourself construction projects need to conform to local building codes and ordinances.

If you are concerned about your ability to understand and comply with these regulations, hiring a professional builder for your Virginia tiny home is a wise decision to make.

Coverage during Towing

Very few tiny homes in Virginia are built in the same location where they will stay permanently, and instead, they are mounted on a trailer with wheels for easy transport.

A tiny house in Virginia that is hitched to a vehicle requires special transportation coverage, and the primary options available are inland marine coverage, RV coverage, and an auto endorsement on your vehicle’s primary auto insurance policy.

With each of these options, you may still need to obtain renter’s coverage to protect your contents inside the home at all times.

RV insurance for transporting your tiny home is only available if your home was professionally built by a builder with the RVIA certification. This coverage is usually combined with a standard auto policy for the vehicle that is towing the tiny home. For

For non-RVIA-certified tiny homes, buying a trip endorsement for your auto coverage is a smart idea. An inland marine policy may also be used to insure all mobile dwellings, including those that do not have an RVIA-certification.

Pay attention to coverage requirements and limitations when comparing these options for the transportation of your tiny home in Virginia.

Shopping around to obtain quotes for multiple insurance types from various providers could help you to identify the most affordable way to insure your Virginia tiny home during the towing or transportation process.

Coverage while Parked in Virginia

The construction and transportation phases are short-lived in most cases, and you may soon be enjoying living in your Virginia tiny home on a regular basis.

When you park your Virginia tiny home, a new type of insurance is needed to protect you against losses, and this may be the insurance coverage that you keep in place for years while you enjoy tiny home living.

A tiny homeowner policy for Virginia homeowners is one option available, but understand that this coverage lacks benefits related to theft of the tiny home or transportation.

A tiny home in Virginia is like a manufactured home in many ways, and because of this, most tiny homes can easily qualify for manufactured or mobile home insurance.

Remember that both tiny home insurance and mobile home coverage do not provide benefits for the contents inside the home, and you usually need to add optional coverage to the policy or buy a renter’s policy to cover these items, which include:

  • appliances
  • belongings
  • valuables

While you may be focused on keeping your living expenses as low as possible when transitioning into a tiny home in Virginia, protecting yourself against potential losses is critical.

For each stage of the tiny home process, determine which of these insurance options are relevant for your situation, and shop around with at least a few reputable providers to find the most affordable rates for the tiny home coverage you need.

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